PRINTER'S NO. 98
THE GENERAL ASSEMBLY OF PENNSYLVANIA
HOUSE BILL
No.
133
Session of
2017
INTRODUCED BY BAKER, MILLARD, GREINER, RAPP, MURT, BARRAR,
KAUFFMAN, MENTZER, PHILLIPS-HILL, READSHAW, GROVE, WARD,
LAWRENCE, MARSICO, WATSON AND GABLER, JANUARY 23, 2017
REFERRED TO COMMITTEE ON INSURANCE, JANUARY 23, 2017
AN ACT
Amending Title 40 (Insurance) of the Pennsylvania Consolidated
Statutes, in general provisions, providing for right to
purchase health insurance sold in other states.
The General Assembly of the Commonwealth of Pennsylvania
hereby enacts as follows:
Section 1. Title 40 of the Pennsylvania Consolidated
Statutes is amended by adding a section to read:
ยง 102. Right to purchase health insurance sold in other states.
(a) Review.--The Insurance Commissioner shall undertake a
review of laws and regulations existing on the effective date of
this section pertaining to the business of health insurance in
this Commonwealth and in other states to determine how to allow
Pennsylvania residents the ability to purchase health insurance
products sold in other states by carriers not otherwise subject
to Pennsylvania insurance laws and regulations.
(b) Report.--On or before December 1, 2017, the Insurance
Commissioner shall submit a report to the Banking and Insurance
Committee of the Senate and the Insurance Committee of the House
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of Representatives on what changes to Pennsylvania laws and
regulations would be necessary in order to enable Pennsylvanians
to purchase out-of-State health insurance products. The report
shall address at least the following:
(1) The mechanism by which the Insurance Commissioner
can regulate the purchase of out-of-State health insurance
products and the carriers offering those products in order to
protect Pennsylvania consumers, either through multistate
agreements with other states or a similar mechanism whereby
the Insurance Commissioner and the other states that
participate in the agreement delineate their respective roles
and responsibilities for oversight, regulation and
enforcement of applicable laws and rules and specify which
state's laws and regulations apply.
(2) The responsibilities of out-of-State carriers with
regard to informing Pennsylvania consumers about the impact
of purchasing a health insurance product that is regulated by
the laws of another state, including information about
whether coverages that are mandated by Pennsylvania law are
included in the out-of-State product, whether Pennsylvania
laws or restrictions on rate changes apply and whether the
product is more or less expensive that other products
regulated under Pennsylvania laws and rules.
(3) The barriers to allowing Pennsylvania consumers to
purchase out-of-State health insurance products.
(4) A proposed time line for implementing changes
necessary to enable the interstate purchase of health
insurance.
Section 2. This act shall take effect in 60 days.
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